Merit Capital Advance is committed
to protecting your privacy. This Privacy Statement sets forth our current
privacy practices with regard to the information we collect when you interact
with us

2. Information We Collect

Merit Capital Advance collects certain information from
and about its customers and website users in three ways, as further described
below — directly from you, webserver logs and cookies from our website.

a. Information you provide
to us.

Information you provide to us,
including the following types of information:

 information we receive from
you on applications or other forms, including consumer reports you authorize us
to obtain;

 information about your
transactions with us;

 information you provide
voluntarily, either by phone or in person, to our employees assisting with an issue;
and

 information you provide
voluntarily online in response to a survey or information request.

b. Web
Server Logs.

When you visit our website, we may track information to
administer the site and analyze its usage. Examples of information we may
track include the following types of information:

 your Internet protocol
address;

 the kind of browser or
computer you use;

 number of links you click
within our website;

 state or country from which
you accessed the website;

 date and time of your visit;

 name of your Internet
service provider;

 web page from which you
linked to our website; and

 pages you viewed on our website.

c. Use of Cookies

We may use “cookies.”
A “cookie” is a small text file that is placed on your hard disk by a Web page
server. Cookies cannot be used to run programs or deliver viruses to your computer.
Cookies are uniquely assigned to you, and can only be read by a web server in
the domain that issued the cookie to you.

One of the primary purposes of
cookies is to provide a convenience feature to save you time. For example, if
you personalize a web page, or navigate within a site, a cookie helps the site
to recall your specific information on subsequent visits. Hence, this
simplifies the process of delivering relevant content and eases site navigation
by providing and saving your preferences and login information as well as
providing personalized functionality.

Merit Capital Advance reserves the
right to share aggregated website statistics with certain third-party companies,
but we do not allow other companies to place cookies on our website. You have
the ability to accept or decline cookies. Most Web browsers automatically
accept cookies, but you can usually modify your browser's settings to decline
cookies. If you reject cookies by changing your browser settings then be aware
that this may disable functionality of certain websites including ours.

3. Disclosure of nonpublic personal information to third
parties

We
do not disclose any nonpublic personal information about you to anyone, except
as permitted by law or as described below. Nonpublic personal information
includes your name, address, Social Security number or other information
provided to us on an application, form or our website, as well as any account
numbers, payment history, balances, or information from a consumer report that you
authorize us to obtain. Without permission, we do not disclose to third
parties information that we collect if it identifies you personally. However,
we are permitted under law to disclose nonpublic personal information about you
to other third parties in certain circumstances. For example, we may disclose
nonpublic personal information about you to third parties to assist us in
servicing your account with us or to government entities in response to
subpoenas. If you decide to close your account(s) or become an inactive
customer, we will continue to adhere to the privacy policies and practices
described in this statement.

4. Disclosure of nonpublic personal information to affiliates

We may disclosure nonpublic personal
information about you to our affiliates that provide services on our behalf.
We also may provide information to affiliates that may offer products and
services that we think you may be interested in. If you do not want us to
share information to our affiliates for purposes of marketing products and
services you may opt-out
of such information sharing, by contacting us at: www.meritcapitaladvance.com,
via telephone at 866-419-0649 or sending your request to:

We restrict access to nonpublic
personal information about you to only those employees who need to know that
information to provide products or services to you. We maintain physical,
electronic, and procedural safeguards to guard your nonpublic personal
information.

6. Changes to this Statement

Merit Capital Advance has the
discretion to occasionally update this privacy statement. When we do, we will
also revise the “updated” date at the top of this privacy statement. We
encourage you to periodically review this privacy statement to stay informed
about how we are helping to protect the personal information we collect. Your
continued use of the service constitutes your agreement to this privacy
statement and any updates.